{"id":187126,"date":"2026-08-06T12:26:02","date_gmt":"2026-08-06T06:56:02","guid":{"rendered":"https:\/\/univest.in\/blogs-2\/?p=187126"},"modified":"2026-08-06T12:26:04","modified_gmt":"2026-08-06T06:56:04","slug":"federal-bank-vs-south-indian-bank-comparison","status":"publish","type":"post","link":"https:\/\/univest.in\/blogs-2\/federal-bank-vs-south-indian-bank-comparison\/","title":{"rendered":"Federal Bank vs South Indian Bank: Which Stock Should You Track"},"content":{"rendered":"<div class=\"meta-block\"><\/div>\n<p style=\"border-left: 4px solid #1F4E79; background: #EBF3FB; padding: 10px 16px; font-style: italic;\"><em>Federal Bank MCap Rs 89,531 Cr, PE 18.48x, ROE 12.17%, PB 2.33. South Indian Bank MCap Rs 12,269 Cr, PE 8.12x, ROE 12.80%, PB 1.04.<\/em><\/p>\n<p>Federal Bank vs South Indian Bank is a comparison Kerala-based private bank investors look up when evaluating two South India-origin private sector lenders. Federal Bank is Kerala&#8217;s largest private sector bank with a growing national franchise and strong NRI deposit base, while South Indian Bank is a smaller Kerala-based bank with a focus on gold loans, retail deposits and SME lending.<\/p>\n<p>This Federal Bank vs South Indian Bank article covers reach and market position, key products, latest declared results and stock valuation. The Federal Bank vs South Indian Bank data below is sourced from Groww and public company filings and reflects the most recently available information at the time of writing.<\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_65 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title \" >Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/univest.in\/blogs-2\/federal-bank-vs-south-indian-bank-comparison\/#Federal_Bank_vs_South_Indian_Bank_Reach_and_Market_Position\" title=\"Federal Bank vs South Indian Bank: Reach and Market Position\">Federal Bank vs South Indian Bank: Reach and Market Position<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/univest.in\/blogs-2\/federal-bank-vs-south-indian-bank-comparison\/#Federal_Bank_vs_South_Indian_Bank_Key_Products_and_Business_Mix\" title=\"Federal Bank vs South Indian Bank: Key Products and Business Mix\">Federal Bank vs South Indian Bank: Key Products and Business Mix<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/univest.in\/blogs-2\/federal-bank-vs-south-indian-bank-comparison\/#Federal_Bank_vs_South_Indian_Bank_Latest_Results\" title=\"Federal Bank vs South Indian Bank: Latest Results\">Federal Bank vs South Indian Bank: Latest Results<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/univest.in\/blogs-2\/federal-bank-vs-south-indian-bank-comparison\/#Federal_Bank_vs_South_Indian_Bank_Stock_and_Valuation\" title=\"Federal Bank vs South Indian Bank: Stock and Valuation\">Federal Bank vs South Indian Bank: Stock and Valuation<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/univest.in\/blogs-2\/federal-bank-vs-south-indian-bank-comparison\/#Federal_Bank_vs_South_Indian_Bank_Quick_Comparison_Table\" title=\"Federal Bank vs South Indian Bank: Quick Comparison Table\">Federal Bank vs South Indian Bank: Quick Comparison Table<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/univest.in\/blogs-2\/federal-bank-vs-south-indian-bank-comparison\/#Conclusion\" title=\"Conclusion\">Conclusion<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/univest.in\/blogs-2\/federal-bank-vs-south-indian-bank-comparison\/#Frequently_Asked_Questions\" title=\"Frequently Asked Questions\">Frequently Asked Questions<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/univest.in\/blogs-2\/federal-bank-vs-south-indian-bank-comparison\/#What_is_the_main_difference_between_Federal_Bank_and_South_Indian_Bank\" title=\"What is the main difference between Federal Bank and South Indian Bank?\">What is the main difference between Federal Bank and South Indian Bank?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/univest.in\/blogs-2\/federal-bank-vs-south-indian-bank-comparison\/#Which_stock_trades_at_a_lower_PE\" title=\"Which stock trades at a lower P\/E?\">Which stock trades at a lower P\/E?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/univest.in\/blogs-2\/federal-bank-vs-south-indian-bank-comparison\/#Which_bank_has_the_higher_ROE\" title=\"Which bank has the higher ROE?\">Which bank has the higher ROE?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/univest.in\/blogs-2\/federal-bank-vs-south-indian-bank-comparison\/#Does_South_Indian_Bank_trade_near_book_value\" title=\"Does South Indian Bank trade near book value?\">Does South Indian Bank trade near book value?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/univest.in\/blogs-2\/federal-bank-vs-south-indian-bank-comparison\/#What_is_the_NRI_banking_advantage_for_Federal_Bank\" title=\"What is the NRI banking advantage for Federal Bank?\">What is the NRI banking advantage for Federal Bank?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/univest.in\/blogs-2\/federal-bank-vs-south-indian-bank-comparison\/#What_risks_apply_to_these_banks\" title=\"What risks apply to these banks?\">What risks apply to these banks?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/univest.in\/blogs-2\/federal-bank-vs-south-indian-bank-comparison\/#Should_I_invest_in_Federal_Bank_or_South_Indian_Bank\" title=\"Should I invest in Federal Bank or South Indian Bank?\">Should I invest in Federal Bank or South Indian Bank?<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Federal_Bank_vs_South_Indian_Bank_Reach_and_Market_Position\"><\/span><strong>Federal Bank vs South Indian Bank: Reach and Market Position<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>On the Federal Bank side of the Federal Bank vs South Indian Bank comparison, Federal Bank operates over 1,500 branches across India, with a strong NRI banking franchise tied to the Kerala diaspora in the Gulf and global markets. Market capitalisation is Rs 89,531 Cr.<\/p>\n<p style=\"margin-top: 24px;\"><a href=\"https:\/\/univest.in\/user\/log-in?utm_source=blogs&amp;utm_medium=federalbnk-vs-southbank\"><strong>Click Here &#8211; Get Free Investment Predictions<\/strong><\/a><\/p>\n<p>On the South Indian Bank side of the Federal Bank vs South Indian Bank comparison, South Indian Bank operates over 950 branches primarily in Kerala, Tamil Nadu and other South Indian states, with a focus on gold loans, agri loans and retail savings. Market capitalisation is Rs 12,269 Cr.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Federal_Bank_vs_South_Indian_Bank_Key_Products_and_Business_Mix\"><\/span><strong>Federal Bank vs South Indian Bank: Key Products and Business Mix<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>In the Federal Bank vs South Indian Bank product comparison, Federal Bank offers: Federal Bank offers retail loans, gold loans, NRI savings accounts, corporate credit and SME banking. P\/E is 18.48x, ROE 12.17 percent, P\/B 2.33. EPS is Rs 19.61.<\/p>\n<p>For South Indian Bank in this Federal Bank vs South Indian Bank breakdown: South Indian Bank offers gold loans, agri loans, retail deposits and SME credit. P\/E is 8.12x, ROE 12.80 percent, P\/B 1.04. EPS is Rs 5.77. Dividend yield is 0.96 percent.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Federal_Bank_vs_South_Indian_Bank_Latest_Results\"><\/span><strong>Federal Bank vs South Indian Bank: Latest Results<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The Federal Bank vs South Indian Bank results for Federal Bank: Federal Bank has a market cap of Rs 89,531 Cr and P\/E of 18.48x. ROE is 12.17 percent. Federal Bank is 7 times larger than South Indian Bank by market cap.<\/p>\n<p>The Federal Bank vs South Indian Bank results for South Indian Bank: South Indian Bank has a market cap of Rs 12,269 Cr and P\/E of 8.12x, significantly cheaper. ROE is 12.80 percent, marginally higher than Federal Bank. P\/B is 1.04 at near book value.<\/p>\n<p style=\"margin-top: 24px;\"><a href=\"https:\/\/univest.in\/screeners\"><strong>Compare Federal Bank and South Indian Bank Fundamentals on the Univest Screener<\/strong><\/a><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Federal_Bank_vs_South_Indian_Bank_Stock_and_Valuation\"><\/span><strong>Federal Bank vs South Indian Bank: Stock and Valuation<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The Federal Bank vs South Indian Bank stock comparison uses the latest available market data from Groww. Investors tracking Federal Bank vs South Indian Bank should verify current prices on NSE or BSE before trading.<\/p>\n<p>Federal Bank trades at a market cap of Rs 89,531 Cr and P\/E of 18.48x. South Indian Bank trades at Rs 12,269 Cr market cap and P\/E of 8.12x \u2014 more than twice cheaper \u2014 with a marginally higher ROE. South Indian Bank also trades at near book value at P\/B of 1.04.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Federal_Bank_vs_South_Indian_Bank_Quick_Comparison_Table\"><\/span><strong>Federal Bank vs South Indian Bank: Quick Comparison Table<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The Federal Bank vs South Indian Bank comparison table below summarises the key metrics covered in this article side by side.<\/p>\n<table style=\"border-collapse: collapse; width: 100%;\">\n<tbody>\n<tr>\n<th style=\"border: 1px solid #ccc; padding: 8px;\">Parameter<\/th>\n<th style=\"border: 1px solid #ccc; padding: 8px;\"><a href=\"https:\/\/univest.in\/stocks\/federalbnk\/federal-bank-ltd-share-price-today\">Federal Bank<\/a><\/th>\n<th style=\"border: 1px solid #ccc; padding: 8px;\"><a href=\"https:\/\/univest.in\/stocks\/southbank\/south-indian-bank-ltd-share-price-today\">South Indian Bank<\/a><\/th>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">Sector<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">Private bank: Kerala origin, national<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">Private bank: Kerala and South India focus<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">Market Cap<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">Rs 89,531 Cr<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">Rs 12,269 Cr<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">P\/E Ratio<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">18.48x<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">8.12x<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">ROE<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">12.17%<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">12.80%<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">P\/B Ratio<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">2.33<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">1.04<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">Dividend Yield<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">0.33%<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">0.96%<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">Key product<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">NRI deposits, retail and SME loans<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">Gold loans, agri, retail savings<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">Network<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">1,500-plus branches, national presence<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">950-plus branches, South India focused<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span><strong>Conclusion<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The Federal Bank vs South Indian Bank comparison above covers the key data points on reach, products, results and valuation. Federal Bank vs South Indian Bank are two Kerala-origin private sector banks at very different valuations. Federal Bank is significantly larger with a national NRI banking franchise. South Indian Bank trades at a much cheaper P\/E with a similar ROE at near book value. Investors should review NPA trends, NIM and loan growth and consult a SEBI-registered advisor before investing.<\/p>\n<p style=\"margin-top: 24px;\"><em>Download the <a href=\"https:\/\/apps.apple.com\/in\/app\/univest\/id1543832872\" rel=\"nofollow noopener\" target=\"_blank\">Univest iOS App<\/a> or <a href=\"https:\/\/play.google.com\/store\/apps\/details?id=com.univest.android\" rel=\"nofollow noopener\" target=\"_blank\">Univest Android App<\/a> to track Federal Bank and South Indian Bank live price and get daily stock recommendations.<\/em><\/p>\n<div style=\"background: #CC0000; border-radius: 8px; padding: 16px 20px; margin: 24px 0;\">\n<p style=\"color: #ffffff; font-size: 13px; line-height: 1.7; margin: 0;\"><strong style=\"color: #ffffff;\">Disclaimer:<\/strong> Data and figures in this article are sourced from publicly available information, including company results filings and exchange data, and are current as of the time of writing. These may or may not be accurate. Please verify all data with the official NSE (nseindia.com) and BSE (bseindia.com) websites before making any investment decision. Investments in securities are subject to market risk. This content is for educational purposes only and is not investment advice by Univest (SEBI RA INH000013776).<\/p>\n<\/div>\n<h2><span class=\"ez-toc-section\" id=\"Frequently_Asked_Questions\"><\/span><strong>Frequently Asked Questions<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"What_is_the_main_difference_between_Federal_Bank_and_South_Indian_Bank\"><\/span><strong>What is the main difference between Federal Bank and South Indian Bank?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Federal Bank is Kerala&#8217;s largest private bank with a national franchise and strong NRI banking. South Indian Bank is a smaller Kerala-based bank focused on gold loans and South India retail banking.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Which_stock_trades_at_a_lower_PE\"><\/span><strong>Which stock trades at a lower P\/E?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> South Indian Bank trades at 8.12x trailing earnings, significantly cheaper than Federal Bank at 18.48x.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Which_bank_has_the_higher_ROE\"><\/span><strong>Which bank has the higher ROE?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> South Indian Bank has an ROE of 12.80 percent, marginally above Federal Bank at 12.17 percent.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Does_South_Indian_Bank_trade_near_book_value\"><\/span><strong>Does South Indian Bank trade near book value?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Yes. South Indian Bank trades at a P\/B of 1.04, near its book value of Rs 45.08.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"What_is_the_NRI_banking_advantage_for_Federal_Bank\"><\/span><strong>What is the NRI banking advantage for Federal Bank?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Federal Bank benefits from Kerala&#8217;s large Gulf and global diaspora who hold NRI savings and fixed deposit accounts with the bank, providing a stable and low-cost deposit franchise.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"What_risks_apply_to_these_banks\"><\/span><strong>What risks apply to these banks?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Both face risk from gold price cycles affecting gold loan quality, agricultural loan default in monsoon-affected years and any slowdown in Kerala&#8217;s economy or Gulf remittances.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Should_I_invest_in_Federal_Bank_or_South_Indian_Bank\"><\/span><strong>Should I invest in Federal Bank or South Indian Bank?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Federal Bank is larger with a premium franchise. South Indian Bank is cheaper with near-book valuation and similar ROE. Consult a SEBI-registered advisor before investing.<\/p>\n<div class=\"faq-schema\"><\/div>\n","protected":false},"excerpt":{"rendered":"<p>Federal Bank vs South Indian Bank compared on loan growth, NIM, asset quality and valuation. 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